1 (16 oz.) can refried beans
1 pkg. taco seasoning mix
1 jar avocado dip
1 (8 oz.) sour cream
1 (4 1/2 oz.) black olives, chopped
2 lg. tomatoes, diced
1 sm. onion, chopped fine
1 (4 oz.) can chopped green chilies
6 oz. sharp Cheddar cheese, grated very fine

Mix beans and taco seasoning mix. Spread on bottom of large serving platter. Layer remaining in the order given above. Refrigerate at least 4 hours. If you decide to refrigerate overnight, then grate the cheese and add the next day.